La Finance Commerciale Trade Finance

7/30/2019 La Finance Commerciale Trade Finance

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COMMERCE ET RGLEMENTS

Commerce and paymentsacompte, arrhesdeposit, down paymentThe money put down in advance so

that the thing one wants to buy will not

be sold.

avance, -valoir

advance payment

dposant

depositor

nantir quelque chose, gager

quelque chose

to deposit something as a

security

acceptation bancaire

bankers acceptance,acceptance facilityS h o rt term financing in which the bank

sells the bills of exchange which they

accept, as part of the transaction, in the

money market to provide cash the bor -rower is seeking. This is bridging finan -

ce for the borro w e r.

credit relais

bridging loanA temporary credit until a long

term one can be arranged.

accord, ngociation,transactiondeal, transaction, business,arrangementAny agreement, affair or contract.

entente / msententedealmaking / dealbreaking

opration commercialebusiness transaction

transactions entreentreprises / entreentreprises et particuliersBusiness to Business, B2B /Business to Consumers, B2Ctransactions

achat, acquisitionWhen shares are offered for sale to thepublic, shares may be purchased by

anybody at the striking price or above.1. chose achetebuy, purchase

2. action dacheterbuying, purchasing

achat crditcredit purchase

achat avec reprise

trade-inachat dimpulsion /de prcautionimpulse / hedge buying

acheteurbuyer, purchaser

achats,approvisionnements

buying, purchasing,p r o c u r e m e n t

march offertbuyers marketA market in which supply ex -ceeds demand, the opposite ofa sellersmarket.

pouvoir dachatpurchasing power

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prix dachatpurchasing price / actualprice

rachat, remboursementdiffrbuy-back

acheter au comptant /

terme

to buy for cash /

to buy forward

affaire

1. questionbusiness, matterFor many individual investors, ap -plying for shares in new issues istheir first introduction to StockExchange matters.

2. entreprisebusiness, concernAn import - e x p o rt business that tra -

des between two countries.f e m m e / homme daff a i re sbusinesswoman / man

3. activits commercialesbusinesses, trading activitiesThey involve problems related toproduction, buying and selling go -ods and services.

4. occasionbargain

doccasionsecondhand

marchandagebargaining

amendefine

Money to be paid as a result of some -thing wrong which has been done.

amende fiscaletax penalty

annuairedirectory, catalogueList of people or businesses with theiraddresses and telephone numbers.

avantageadvantage, benefitAny kind of improvement or deteriora -tion working for or against somebody

or a context.

avantage en natureadvantages in kind

avantages diversfringe advantages

avantageux / dsavantageuxadvantageous, beneficial to /disadvantageous to,

detrimental to, adverse toau bnfice / audsavantage deto the benefit / to thedetriment of

se prvaloir deto draw from / to take of

acte, contrat

act, deedA legal document which sets out theterms of an agreement or what hasbeen done.

acte de commerceact of merchant

contrat de socitdeed of partnership

tablir un acteto draw up a deed

appui (financier)support, backingMoney given as a help.

appointementspay, salaryPayment for work in the form of amonthly cheque.

approbationapprovalYou only pay for goods if satisfied.

lessai, en examen gratuiton approval

sous rserve dagrment subject to approval

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argentmoneyCustomarily used as a medium of ex -

change and a measure of value.

blanchiment dargent

money laundering

capitaux, fonds

moneys, monies

deniers publics

public monies

flux montaire

money flow

masse montaire

money stockTotal amount of readily spendable

funds in circulation in a country.

montique

electronique money

rentre / sortie dargent

inflows, incomings, receipts /

outflows, outgoings, outlays

attribution, tcheassignementA particular job or work to be done.

avalb a cking, endorsement, guara n t e e

UK, guara n t y, USThe promise, often with a note or signa -

t u re on the document, that somebody or

something will be supported or appro -

v e d .

avaliste

endorser, guarantor, backer

bail, location

lease, rentalLoan of equipment or pro p e rty in

exchange for specified regular pay -

ment.

bail dexploitation

operating lease

cession-bail

lease-back / loan-back

crdit-bail / location avec

option dachat, LOA

(entreprises) /

location avec promesse devente (particuliers)

leasing

locataire

leaseholder

location bail / propritloueleasehold

preneur bail / bailleur-lessee / lessor

renouvellement du bail

lease renewal

balance de comptesbalanceItem put in one of the columns of anaccount to make the total debits andcredits equal.

balance de comptes exc-dentaire / dficitairebalance with a surplus / deficit

quilibre / dsquilibre

balance / imbalance

bnfice

1. avantage (gnral)

benefitSuch as enjoying the full benefitsof floating a company.

bnficiaire

beneficiary ; payee (draft)

tirer profit davantages

deto capitalize on

2. profit (fin.)

profit, incomeThe excess of total revenue gene -rated over the total explicit andimplicit costs incurred.

bnficiaire

recipient, receiver

intressement

profit sharing

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manque gagnerloss of profit, lost profit

marge bnficiaire /

rabaismark-up / mark down

revenu salarialearned incomeMoney received as a salary orwages.

faire des profitsto make, to generate,to enjoy profits

bien(s), marchandise(s)goods, wares and merchan-dises, commodity (ies)

articlearticle, item

biens de consommationconsumer goods

biens dquipement

capital goods

biens immobiliersreal estate

matire premirecommodity

possessions, biens et effetsgoods and chattels

billet ordrepromissory note, noteA legal document re c o rding someonesp romise to pay a specific amount ofmoney at a given date.

billet de trsoreriecommercial paper, C.P.An unsecured IOU or note issued bycompanies for short-term borro w i n gpurposes. It differs from a bill of ex -change in that it is a one-name paper.A bill of exchange bears the names ofthe drawer and the drawee, both ofwhom are liable. C.P. has only onename, the issuers. But unlike a bankacceptance, it is not tied to a part i c u -lar transaction. Since 1986, C.P.s wereallowed to be sold by issuers (compa -nies) direct to investors.

bordereauanalysis, summary slipA document in printed form which is

filled in on some specific occasion such

as money deposited.

bordereau de paiement

remittance slip

brevetpatentAn official document showing that

somebody has the exclusive right to

make or sell an invention.contrefaon de brevet

patent infringement

calcul, compte, dcomptecalculation, computationFinding an answer to a problem in

mathematics.

calculettepocket calculator

erreur de calcul

clerical error, bug

capacitcapacity

capacit disponible / surca-

pacitexcess capacity

rendement maximum

full capacity

utilisation modre de la

capacit

sparing use of the capacity

cautionbondA financial security or instrument un -

der which a person or corporation gua -

rantees personally to pay a stated sum

of money within a specified context.

Holding a bond gives a castiron secu -

rity to the holder but may be felt as a

S w o rd of Damocls by the drawee.

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certificat de dptcertificate of deposit, C.D.A negotiable claim issued by a bank

for a term deposit in a fixed-term or

long-maturity and the depositor cansell the C.D. in the secondary marketin case he wants to recover the money.

cession

1. transfert

transferMoving money to a new account.

2. cession de crance

pledging, assignmentTo deposit something as a securityfor money borrowed.

3. vente

disposalSelling a company at a lower price.

chiffrenumber, figure

An amount or value expressed in num -bers or other symbols but not in letters.

brut / net

gross / netGross means before any deduc -tion has been made.

numriquenumerical

quelques chiffresA few figures

1. chiffres de 1 9

digit

inflation 2 chiffres

a two-digit inflation

2. chiffres de 10

figure

3. millionmillion

4. milliard

billion1. one million million, UK

2. one thousand million, US

10 milliards de dollars

10 billion dollars

client1. customerSomeone who buys something from a

shop.

2. clientSomeone who receives advice or a ser -

vice from a professional person or or -

g a n i z a t i o n .

3. patronA regular customer or client.

client ventuel

potential customer / prospect

tre client dun magasin

to patronise a shop / to be a

regular customer

le client est roi

the customer is always right

se constituer un bon carnet

daffaires

to develop a steady build-up of

customers

clientlecustom, goodwillIt may range from upmarket, mid-mar -

ket to down-market customers.

commande

orderAn official request for goods to be sup -

plied or a service to be carried out.

bulletin de commande

(document)

order form, sheet

bon de commande (rempli)

purchase order (filled in)

carnet de commandeorder book

paiement la commande

cash with orderGoods will be supplied if payment

is made when the order is placed.

passation de commande

ordering

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TRADE FINANCE

Documents

La Finance Commerciale Trade Finance